tmm99, do NOT let your friend off the hook when, in the future, you are in much better shape than she. It is because of people like her that the economy is quite likely wrecked beyond repair.
Martha, you're not gonna like this but now is now time for healing. This is no time for forgiveness and all coming together for a big hug. The less we lay blame on the guilty, the greater the certainty that the financial profligacy will reoccur. Letting these spendthrifts and their political masters get away with the goods, as is happening right now, kicks merde into the faces of the righteous. We're going to hear a lot about not laying blame, that no one could have seen what was coming, that frugality is foolish and other such dreck.
Manure!
Let you friend have it with both barrels. Don't hold back. What she did is affecting you who was beneficial to the commonweal, as much as it causes her to personally suffer. Do you have any family? They, in particular the young, are going to be suffering for years thanks to this selfish, asinine behavior. Remember, you are not attacking in a mean-spirited mentality of "I told you so". Instead you are trying to help yourself and everyone else that lives is an economic milieu. That is, everybody. If more people had your financial conservatism, we wouldn't be looking down into a financial abyss right now. It appears that many on this blog were themselves participants in the skulduggery. As least, I have had communication with a number of apologists on here who seem terribly dismissive of those responsible.
Thanks for having taking the decent path yourself tmm99. While it's been a lonely path, you've got the satisfaction that many here apparently can not claim, of having done the proper thing.
Come to think of it, next time you see her, kick her once for me too.